Health coverage for women entrepreneurs and business owners.

ACA marketplace plans are required by law to cover maternity care, but the differences between plans matter a lot: which OB networks are in-network, what the deductible and out-of-pocket maximum are for the calendar year your due date falls in, whether NICU is in the same network, and how postpartum visits are billed. We help you pick the plan whose calendar year your delivery is most likely to land in, and whose maternity-specific costs are most predictable. Timing your enrollment around Open Enrollment or a qualifying life event also matters — we walk you through both.

Fertility coverage varies dramatically by plan and by state. Some states mandate IVF coverage; many don't. ACA plans typically cover diagnostic workup but vary on IUI, IVF, and medication. Group SHOP plans you build for your own business can include stronger fertility riders. We map out exactly what's covered, what isn't, and what you'd pay out of pocket before you pick — so there are no surprises after enrollment.

All ACA-compliant plans cover mental health, including postpartum, at parity with physical health — meaning the same deductible, copay structure, and limits. What varies is the network: how many in-network therapists actually have postpartum and perinatal training. We help you pick plans whose mental health networks include real perinatal providers, not just a directory full of names.

Health insurance doesn't pay you to caregive, but the right plan reduces the cost burden of caregiving — telehealth for your parent's visits, in-network specialists where they live (not just where you live), strong prescription coverage, and mental health for you (caregiver burnout is real). We design plans around the caregiving reality, not despite it.

Yes, and very generously. Subsidies are based on expected annual household income, not business revenue. If you're early-stage with modest income, you likely qualify for substantial premium tax credits — sometimes covering most or all of the premium. We calculate your exact eligibility for free and re-check it as your income grows.

Depends on your team's situation and your tax setup. A group SHOP plan can be tax-advantaged for the business, helps retention, and often unlocks stronger maternity and fertility coverage than individual plans. But for very small teams where employees already have spouses' coverage, individual plans + a QSEHRA reimbursement can be cleaner. We model both and show you the real numbers.

Three lenses: (1) is mental health truly at parity in the plan (it should be by law, but check copays and visit limits), (2) does the in-network directory include women-aware providers in your zip code, and (3) does the plan cover hormonal health specialties (endocrinology, menopause specialists, pelvic health) without out-of-network nightmares. We pre-screen all three before recommending anything.

We're built around the women-entrepreneur lens, but coverage is for your whole household and your whole team. We routinely enroll spouses, kids, and full SHOP groups (any gender). The point isn't who's covered — it's that the agent designing the plan actually understands the realities of a woman building a business.